In fact, the main challenge in developing countries is not investment strategy, but survival. Being in a life of poverty is not a reason to stop being creative, having an additional source of income can still be achieved by utilizing basic skills and internet access. To increase your income, you need to have a concrete strategy. Here, creativity and skills are needed to help stabilize your life, reduce your dependence on loans, and create some flexibility for investing. Those who do not have discretionary funds must dare to step out of their comfort zone in order to continue their survival, there are many jobs that can be done around their lives that can provide additional income, inability is only an excuse, because now the media to make money is very easy especially in the era of increasingly sophisticated technology like today.
Your statement makes the complex reality of most people look very simple and I’m not saying that you’re totally wrong but you seem to be biased in some areas. Being creative and skillful is a good thing and in most cases it can help to improve a person’s life over time but it’s not a guaranteed way of escape from poverty and so when people don’t make good progress in their lives financially, it’s not always because they are lazy, most people face real life structural challenges like poor infrastructure ,unstable electricity, limited internet access, low wages , weak job markets and lack of access to quality education or funding e.t.c and these challenges have the ability to shape what they can realistically do in a financial aspect. so a person can be skilled and still not find opportunities that pay enough to turn around their situation .
Secondly , the idea that there are many jobs for people to do is not always the case too ,at least from where I’m from that’s the reality. A lot of so-called job opportunities especially the online ones are either overcrowded, underpaid, or require tools and consistency that people struggling for survival don’t simply have access to and for someone who’s main focus is how to feed daily and not go hungry,I don’t think long term skill building or experimenting with income streams would be easy for such a person. And also you mentioned about people stepping out of their comfort zones,I think this only applies to people who are in a position of comfort to begin with and for many people there is no comfort zone at all only pressure and risk ,so in this kind of situation ,taking chances might mean losing the already little stability they already have and most folks would rather not take that risk but this doesn’t mean they are comfortable with their predicament . So my point here now is ,even though success requires creativity and effort, sometimes the results are shaped by the circumstances that surround that individual and not just the kind of mindset they have.
